No matter how you buy farm equipment, AgDirect can finance it.

Farm Credit Services of America offers AgDirect® equipment financing – available at your equipment dealer, at auctions (traditional or online) and for private party ag equipment purchases.

Along with options to buy, lease or refinance, you'll find attractive rates and the most ag-friendly terms in the business.


Types of Ag Equipment Financing

At Dealership

Purchase, lease and refinance options available on new and used ag equipment sold through farm equipment dealers — with 2-7 years (up to 10-year term on pivots)*. Easy application and quick credit decisions.

Private Party

Purchase and lease options available on farm equipment sold through private party transactions — minimum purchase price of $25,000 (before down payment). Ag-friendly terms.


Purchase and lease options with pre-sale credit decisions available on farm equipment sold through auctions — minimum purchase price of $25,000 (before down payment). Ag-friendly terms.

* Subject to approval.

AgDirect® is an equipment financing program offered by Farm Credit Services of America and other lenders, including participating Farm Credit System Institutions.

"We look for the most creative financing that fits our budget or our cash flow and that’s where AgDirect really shines."

Dustin G.

Livestock Producer and Machinery Dealer

Dustin G.

Equipment Financing for Today's Agriculture.

  • Purchase, lease or refinance
  • New or used equipment
  • Variable or fixed rates
  • Up to a 10-year term on pivots*
  • Financing terms from 2-7 years on most equipment*
  • Delayed payments – up to 15 months*
  • No prepayment penalties**
*Subject to approval.
**Excludes leases over $500,000.

Farm Equipment Rates

Fixed rates for financing or refinancing farm equipment start at 6.85%!

AgDirect® offers competitive loan and lease options on new farm equipment and used farm equipment. We also refinance farm equipment.

The request for financing must be made by an eligible producer or farm-related service business.

AgDirect offers financing on all types of ag equipment, including the purchase and lease of tractors, combines, center pivots, implements, strip till equipment and more sold at a dealership, an auction and by a private seller. We finance all major farm and irrigation system equipment manufacturer brands, including John Deere, Case IH, New Holland, AGCO, Kubota, Reinke, Valley and Zimmatic.

The minimum personal information required to begin the AgDirect application process is your name as shown on your legal ID, age, U.S. citizenship status and minimal eligibility information, depending on what type of applicant you are. If you are a farmer or rancher, you'll need to provide net non-farm income and gross farm income.

For most applications, credit decisions are returned within seconds. Our goal is to process applications in three business hours.

Generally, AgDirect borrowers need to put down 0% to 30% of the purchase price.

Typically, payment plans are set up on standard annual, semiannual, quarterly or monthly frequencies.

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Ready to Talk?

Contact us if you have questions or need more information. Fill out the form, or connect with your local office using the Office Locator.

FCSAmerica serves farmers, ranchers, agribusinesses and rural residents in Iowa, Nebraska, South Dakota and Wyoming. For inquiries outside this geography, use the Farm Credit Association Locator  to contact your local office.